| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC3 | P.O. BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $105K | $21K | $126K | 24.04% |
| ROSS & YERGER INSURANCE INC3 | P.O. BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $108K | $18K | $126K | 29.10% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | P.O. BOX 1139 JACKSON, MS 392151139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $49K | $16K | $65K | 20.07% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MISSISSIPPI LLC | 613 CRESCENT CIRCLE STE 201 RIDGELAND, MS 39157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | $2K | $44K | 20.75% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MISSISSIPPI, LLC | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | $1K | $44K | 20.82% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MISSISSIPPI, LLC | 613 CRESCENT CIRCLE SUITE 201 RIDGELAND, MS 39157 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39K | $772 | $40K | 19.82% |
| ACUITY GROUP OF MS LLC3 Filed as: ACUITY GROUP OF MISSISSIPPI, LLC | 613 CRESCENT CIR STE 201 RIDGELAND, MS 39157 | VISION SERVICE PLAN | $2K | — | $2K | 1.31% |
| RENASANT INSURANCE3 | PO BOX 2220 CORINTH, MS 388352220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 12.00% |
| SENIORCAREUSA LLC3 | PO BOX 31788 CHARLESTON, SC 29417 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.00% |
| J DAVID BUTLER3 Filed as: DAVID CHANCE | ACUITY GROUP OF MISSISSIPPI 613 CRESCENT CR, SUITE 201 RIDGELAND, MS 39157 | MISSISSIPPI EYE CARE ALLIANCE, LLC | $2K | — | $2K | 3.00% |
| RENASANT INSURANCE3 | P.O. BOX 2220 CORINTH, MS 388352220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 12.00% |
| SENIORCAREUSA LLC3 | P.O. BOX 31788 CHARLESTON, SC 29417 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC. | 100 VISION DRIVE SUITE 100 JACKSON, MS 39211 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $8K | — | $8K | 15.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | P.O. BOX 1139 JACKSON, MS 392151139 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| RENASANT INSURANCE3 | PO BOX 2220 CORINTH, MS 388352220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.00% |
| SENIORCAREUSA LLC3 | PO BOX 31788 CHARLESTON, SC 29417 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,059 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 483 | $1.9M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,008 | $240K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,785 | $1.2M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 825 | $213K |
| Long-term disability(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,733 | $461K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 483 | $1.9M |
| Other(5 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,785 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,785 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.